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Policy booklet Private car

www.zenithmarque.com Private Car 1

Zenith Marque Insurance Services Limited is pleased to welcome

you as a customer. Zenith Marque Insurance Services administers

your policy on behalf of Zenith Insurance Plc (the Insurer).

This Policy Document is evidence of a legally binding contract of

insurance between you (the Insured) and Zenith insurance Plc (the

Insurer).

This contract is entered into on the basis that:

• you have taken all reasonable care to answer all questions asked

honestly, accurately and to the best of your knowledge; and

• any other information given either verbally or in writing by you or

on your behalf at the time you applied for insurance is also

complete; and

• the information supplied has been given honestly and to the best

of your knowledge and belief.

The information that you have given to us is shown on your signed

proposal form, or statement of fact or statement of insurance but

will also include further information given either verbally or in writing

by you or on your behalf at the time you applied for insurance.

You must read this policy document, the Policy Schedule and the

Certificate of Motor Insurance together. The Policy Schedule tells

you which sections of the policy apply. Please check all three

documents carefully to make certain they give you the cover you

want.

We have agreed to insure you against liability loss or damage that

may occur within the geographical limits of the policy during any

period of insurance for which you have paid, or agreed to pay the

premium. The cover we provide is subject to the terms, conditions

and exceptions contained in this policy document or in any

endorsement applying to this policy document.

Nobody other than you (the Insured) and us (Zenith Insurance Plc)

has any rights that they can enforce under this contract except for

those rights that they have under road traffic law in any country in

which this insurance applies.

Introduction to Your Policy

2 Private Car www.zenithmarque.com

Unless specifically agreed otherwise, this insurance shall be subject

to English Law.

The terms and conditions of this policy and all other information

concerning this insurance are communicated to you in the English

language and we undertake to communicate in this language for the

duration of the policy.

.............................................................................................

Gary HumphreysUnderwriting DirectorZenith Insurance Plc and/or its co-InsurerQIC Europe Limited.

Authorised Insurers, registered in Gibraltar No 84085. Registered

Office: 846-848, Europort, Gibraltar.

Zenith Insurance plc is regulated by the Gibraltar Financial Services

Commission and subject to a limited regulation by the Financial

Conduct Authority and the Prudential Regulation Authority in

respect of underwriting business in the UK (No. 211787).

Zenith Insurance Plc is a member of the Association of British

Insurers.

QIC Europe Limited, registered in Malta with registered address at

No. 7, 4th Floor, Block C, Skyway Offices, 179 Marina Street, Pieta,

PTA 9042, Malta.

QIC Europe Limited is authorised and regulated by the Malta

Financial Services Authority (MFSA) to carry on general insurance

business in terms of the Malta Insurance Business Act, 1998 and

subject to limited regulation by the UK Financial Conduct Authority

and the Prudential Regulation Authority in respect of underwriting

business in the UK (No. 659521).


Several Liabilities NoticeThe obligations of Zenith Insurance Plc and its co-insurers under

contracts of insurance to which they subscribe are several and not

joint and are limited solely to the extent of each insurer’s individual

subscription. If one of the insurers does not for any reason satisfy

all or part of its obligations the other insurers will not be responsible

for the defaulting insurer’s obligations.

Calls made to our claim notification lines 0800 072 2050 and

0800 587 0808 from all devices (including mobiles) are free.


Definitions The meaning of certain words and phrases . . . . . . . . . . . . . . . . . . . . . . .6 - 7

Cover The cover you have . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Section 1 Liability to others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 - 10

Section 2 Driving other cars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Section 3 Towing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Section 4 Damage to your car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 - 14

Giving you a new car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Courtesy car provision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Section 5 Fire and theft cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 - 17

Theft of keys . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Giving you a new car . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Courtesy car provision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 - 17

Section 6 In-car entertainment and navigation equipment cover . . . . . . . . . . . . . . . . .17

Exceptions to sections 4, 5 and 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Section 7 Repairing and replacing glass . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Section 8 Excesses for young or inexperienced drivers . . . . . . . . . . . . . . . . . . . . . . .19

Section 9 Personal accident benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Section 10 Personal belongings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

Section 11 Foreign travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 - 23

Spanish bail bond . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Section 12 Medical expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Section 13 Legal costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24

Section 14 No-claim bonus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

Protected no-claim bonus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

General exceptions Restrictions which apply to your insurance . . . . . . . . . . . . . . . . . . . . .26 - 27

Payment for journeys (car sharing) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26

General conditions Certain conditions that you must keep to . . . . . . . . . . . . . . . . . . . . . .28 - 32

Cancellation conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30

Additional cancellation conditions if your premium is paid by instalments . . .31

Important notice Changes to be notified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 - 32

Claims procedure What to do if you have to make a claim . . . . . . . . . . . . . . . . . . . . . . . .33 - 34

About our service Who to contact if you are dissatisfied . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35

Endorsements Changes to the terms of the insurance . . . . . . . . . . . . . . . . . . . . . . . .36 - 44

Index in page order


About our serv ice ......................................................................................................................35

Additional cancellation conditions if your premium is paid by instalments ......................................31

Cancellation conditions...............................................................................................................30

Changes to be notified ........................................................................................................31 - 32

Change of car ....................................................................................................................28 & 31

Claims procedure ................................................................................................................33 - 34

Courtesy car provision .................................................................................................14 & 16 - 17

Cover...........................................................................................................................................8

Damage to your car.............................................................................................................13 - 14

Definitions...............................................................................................................................6 - 7

Driving other cars .......................................................................................................................11

Endorsements.....................................................................................................................36 - 44

Exceptions to sections 4, 5 and 6 ...............................................................................................18

Excesses for young or inexperienced drivers ...............................................................................19

Fire and theft cover .............................................................................................................15 - 17

Foreign travel ......................................................................................................................22 - 23

General conditions ..............................................................................................................28 - 32

General exceptions .............................................................................................................26 - 27

Giving you a new car after an accident ........................................................................................13

Giving you a new car after fire or theft .........................................................................................16

Legal costs ................................................................................................................................24

Liability to others...................................................................................................................9 - 10

Medical expenses.......................................................................................................................23

No-claim bonus..........................................................................................................................25

Payment for journeys (car sharing) ..............................................................................................26

Personal accident benefits ..........................................................................................................20

Personal belongings ...................................................................................................................21

Protected no-claim bonus...........................................................................................................25

Radio and stereo cover (in-car entertainment and navigation equipment) ......................................17

Spanish bail bond.......................................................................................................................23

Theft of keys ..............................................................................................................................15

Towing .......................................................................................................................................12

Windscreen, windows and sunroofs (repairing and replacing glass) ..............................................19

Index in alphabetical order

Guidance notes

Motor insurance documents are

quite complicated, so we have

provided guidance notes to help

you understand your cover.

These notes are not part of the

contract.

It is important that the

information you give us is

accurate, otherwise your

insurance may not be valid.


Certificate of motor insurance The legal document which is evidence that you have the

insurance needed by law. This document shows the insured car,

who may drive it and the purposes for which it may be used.

Civil PartnerA relationship as defined in the Civil Partnership Act 2004.

Common LawCo-habiting as a couple without being married.

Consent/Authority/Authorised/PermissionAgreement granted by an appropriate person for an event to

take place, when such agreement is given before the event

takes place.

Courtesy carA small class “A” vehicle provided by the Insurers approved

repairer on a voluntary basis for the duration of an authorised

repair. The provision of a courtesy car

is not an automatic entitlement under the policy.

Endorsement A change in the terms of your insurance. An endorsement does

not apply unless the number appears in your schedule.

ExcessThe amount you have to pay towards any valid claim under this

insurance.

In-car entertainment and navigation equipmentAll radios, television sets, cassette players, compact disc

players, and navigation equipment permanently fitted to your car.

We do not cover citizens’ band radios, telecommunications

equipment and portable items such as cassette tapes, compact

discs, minidiscs or any other music-storage device.

Market value/written down valueThe cost of replacing your vehicle, if this is possible, with one of

a similar make, model, year, mileage and condition.

Panoramic roofA vehicle roof system manufactured as single or multiple glass,

or equivalent, panel(s) designed to cover the entire passenger

compartment or the majority of it.

Period of insuranceThe length of time covered by this insurance as shown in the

schedule.

Retail customerAn individual who is acting for purposes which are outside his

trade, business or profession.

Definitions


The InsurerZenith Insurance Plc and/or its co-insurers whose name and

addresses are available on request.

The scheduleDetails of the sections of this insurance document which apply

to you.

TerrorismAny action which contravenes the Terrorism Act 2006.

UnattendedWhen you or any passengers are not sitting in your vehicle.

United KingdomEngland, Scotland, Wales, Northern Ireland, the Isle of Man and

the Channel Islands.

Voluntary workUnpaid work for a registered charity or similar organisation.

We, us, ourThe Insurer.

You, yourThe insured person named in the certificate of motor insurance

and the schedule.

Your carThe insured car shown in the schedule.

Definitions (continued)

Guidance notes

You must read this insurance

document together with your

schedule and certificate of motor

insurance.

The schedule should show

details of you and your car and

the cover you have asked for.


The cover you have chosen is shown in your schedule. We have

divided your cover into different sections.

1 Comprehensive - If you choose comprehensive cover, all the

sections of this document apply.

2 Third party fire and theft - If you choose third party fire and

theft, sections 1, 2, 3, 5, 6, 11, 13 and 14 only apply. The

cover under section 6 is restricted to loss or damage

caused by fire, theft or attempted theft.

3 Third party only - If you choose third party only, sections 1,

2, 3, 11, 13 and 14 only apply.

4 Fire and theft only - If you choose fire and theft only,

sections 5 and 6 only apply. The cover under section 6 is

restricted to loss or damage caused by fire, theft or

attempted theft. (You can only have this cover if your car is

kept in your locked garage and is not being used.)

If the insurance is not in one person’s name, sections 2, 9 and

10 are cancelled.

The general conditions and exceptions apply to all sections ofthe insurance.

Cover

Guidance notes

Your own schedule will show

which parts of this insurance

apply to your car as long as you

have paid the premium.

Please check that this is the

cover you asked for and tell your

insurance adviser if you have any

questions.

Your car will only be covered if you are using it in the way agreed

on your certificate of motor insurance, or any endorsements.

Use in connection with voluntary work by any authorised driver is

permitted by this insurance.

Your car will not be covered while it is being used for any

competition, rally, trial, track day, performance test, race or

speed trial (whether between motor vehicles or otherwise). This

exclusion applies even if the event is not on a public road and

regardless of whether it is authorised by the police or another

relevant authority. Cover is also not provided for your vehicle

being used on derestricted toll roads. Derestricted toll roads are

roads the public can pay to have access to and where speed

restrictions are temporarily or permanently suspended (including

the Nurburgring).

Use

It is important to read your

certificate of motor insurance to

see how you may use your car.

We do not cover certain uses.


What we coverUsing your carWe will cover any payment that legally has to be made by you

for:

• death of or injury to another person; or

• damage to other people’s property as a result of an accident

arising from your vehicle being used.

Other drivers using your carWe will cover you for the following.

• Another person using your car with your permission as long

as this is agreed on your certificate of motor insurance. They

will be covered for death or injury to other people, or

damaging property. Any passenger in your car will also be

given this cover.

• If we think it is necessary, we will arrange for a solicitor to

represent anyone covered under this section.

Business use• If your certificate of motor insurance includes business use or

your vehicle is being used for voluntary work by you or any

authorised driver, the terms in which we insure you under this

section (liability to others) are extended to include any liability

attached to a principal by virtue of any contract that you may

be under with that principal, as a result of the use of your

vehicle.

Legal personal representatives• If anyone covered by this insurance dies, we will deal with

any claim made against their estate as long as the claim is

covered by this insurance.

What we do not covera) Anyone who is not driving, but who makes a claim, if they

knew the driver did not hold a valid driving licence.

b) Anyone who is covered by other insurance.

c) The death of or injury to the driver.

d) Damage, loss of use or any other loss to:

• any motor vehicle which is covered under this insurance;

• any property you or anyone else driving the vehicle owns or

is looking after; and

• any trailer, caravan or vehicle towed by or attached to your

car.

Liability to others

Guidance notes

This section explains the cover

available if other people claim

against you, for injury to them or

damage to their property.

This section covers your

employer while you are using

your car on business.

Section 1

Always check that other drivers

have valid licences.

We do not have to settle claims

under this section if anybody

claiming can claim for the same

loss on another insurance.

Section 1 continued on the next page.


e) Death of or injury to any person during the course of their

employment, except for the cover we must provide under the

Road Traffic Acts or any other laws which apply to motor

insurance.

f) Payment of more than £20 million (including legal costs) for

damage to other people’s property arising from any one claim

or series of claims arising from one cause.

g) We shall not pay any claims in relation to business use

(mentioned above):

• If we do not have full control over the conduct of any claim

that occurs;

• For death or injury to any employee (or equivalent within

the voluntary working sector) of the principal during the

course of their employment except for the cover we must

provide under the Road Traffic Acts or any other legislation

applicable to motor insurance;

• For any liability which attaches to the principal by virtue of

an agreement which would not have attached in the

absence of such agreement;

• For any liability resulting from the negligence of any person

other than you, your business partner, director or

employee (or equivalent of these within the voluntary

working sector); or

• Where the principal is entitled to indemnity under any

other insurance.

Liability to others (continued)Section 1


What we coverWe may extend section 1 to cover you while you are driving a

motor car you do not own (with the owner’s permission), or have

not hired or leased, as long as you are not covered by any other

insurance. This cover only applies in the United Kingdom. You

should consult your certificate and schedule to see whether you

have this extension.

What we do not covera) Any loss or damage to the vehicle you do not own.

b) Any accident which happens outside the United Kingdom.

c) Any accident which happens when this insurance is not in the

name of one person.

d) Any liability if you no longer have possession of your car, if it

has been damaged so much that it is not worth repairing, or

if it has been stolen.

e) Any liability under this insurance if the owner or keeper of the

motor car you are driving has not arranged his or her own

insurance on the motor car to cover his or her liability to

others.

Driving other cars

Guidance notes

If your certificate allows you to

drive a car which you do not

own, you will be covered under

this insurance, but only for

liability to others.

Section 2


What we coverWe will extend Section 1 of your insurance to provide cover

while your vehicle is towing a trailer, caravan or broken-down

vehicle (as allowed by law) which must be attached securely to

your vehicle in line with the manufacturer’s recommendations.

What we do not covera) Damage or loss to the towed trailer, caravan or broken down

vehicle.

b) Damage or loss of any property being carried in or on the

trailer, caravan or broken down vehicle.

c) A trailer, caravan or broken down vehicle being towed for hire

or reward.

d) Towing more trailers than the number allowed by law.

e) Towing more than one broken down vehicle or caravan.

f) Any damage or liability incurred in respect of trailers or

caravans unattached at the time of damage or loss (except

where they have become temporarily unattached during the

course of the journey).

g) We will not make any payment in relation to the death or

injury to any person travelling in a vehicle you are towing

unless that vehicle is being towed because it has broken

down, other than where we are required to under the Road

Traffic Acts or any other legislation applicable to motor

insurance.

h) We will not make any payment in relation to the death or

injury to any person travelling in or on a trailer or caravan you

are towing other than where we are required to under the

Road Traffic Acts or any other legislation applicable to motor

insurance.

i) Loss or damage or liability which is the responsibility of the

person driving or steering any vehicle being towed by your

vehicle or being towed by a vehicle being driven by you.

Towing

Guidance notes

This section allows you to tow a

trailer, caravan or broken-down

vehicle.

Only one vehicle may be towed

at a time, and cover only applies

when the vehicle is attached to

your car.

The cover for your car will stay

the same, but we will insure the

trailer or vehicle being towed

only for liability to others.

Section 3


What we coverThis section only applies to your car.

We will cover you under this section for damage to your car

(less any excess which applies).

We will also provide cover for damage to your car’s spare parts

and fitted accessories supplied by the manufacturer. You must

keep the spare parts and accessories with your car and their

value must be within the maximum amount we pay.

We will not pay under this section for damage more specifically

covered under sections 5 or 6 of this insurance.

We will (at our option) either:

• repair or replace your car; or

• pay you an amount of cash.

The most we will payIf your car was first registered from new in the United Kingdom,

the most we will pay will be its market value immediately before

the accident or loss (including its spare parts and accessories).

If your car was first registered from new in a country other than

the United Kingdom, and we know about this and have agreed

cover, the most we will pay will be:

• the amount shown on your purchase receipt for your car

(including spare parts and accessories); or

• the market value of the manufacturer’s United Kingdom

model with the nearest equivalent specification (including

spare parts and accessories);

whichever is lower.

If your vehicle is under a lease agreement the most we will pay

is the written down value or the market value whichever is the

lesser.

Giving you a new carIf your car is less than one year old and has covered less than

15,000 miles and you have been the first and only registered

owner, having bought and registered the car in the UK, we will

replace it with one of the same make, model and specification if

it has:

• been totally destroyed; or

• suffered damage covered by the policy and the cost of

repairing it will be more than 60% of the last UK list price

(including car tax and VAT).

Damage to your carSection 4

Guidance notes

Section 4 only applies to

comprehensive insurance, and

covers damage to your car.

The amount we pay may be

different if your vehicle was not

registered in the UK from new.

If your vehicle has been

imported you must tell us when

you arrange cover.


Guidance notes


We can only do this if a replacement car is immediately available

in the UK and anyone else who has an interest in your car (for

example a hire-purchase company) agrees.

If a suitable replacement car is not immediately available in the

UK, the most we will pay is the market value of your car before

the accident or loss (including its spare parts or accessories).

We can only do this if anyone else with an interest in your car

agrees.

Once we have made this payment or provided a replacement,

we will be entitled to take ownership of your car.

Courtesy car provisionFollowing a claim under this section of your policy, you may be

entitled to a courtesy car while your car is being repaired. This

is subject to:

• us agreeing that the claim is covered under your policy;

• the repairs being carried out by one of our approved

repairers; and

• the approved repairer having a car available for you to use.

You will not be entitled to a courtesy car if:

• we cannot repair your car or the cost of repairing your car is

uneconomical or

• your policy does not cover the damage.

The courtesy car will be insured on a comprehensive basis

(including business use if your policy provides this cover) for the

period for which we have agreed you may have the courtesy

car. Only you and those drivers permitted to drive under your

policy will be covered.

You will be required to pay an excess towards any loss or

damage to the courtesy car whilst it is in your possession. The

excess payable by you will not exceed that payable by you

under the terms of your policy.

If we have provided you with a courtesy car and while your car

is being repaired it becomes apparent that we cannot repair

your car or that the cost of repair is uneconomical you must

return the courtesy car within 2 days of us informing you. If you

do not, you will have to pay the hire costs of the courtesy car

after this period.

You will have to pay the hire costs if you keep the courtesy car

for longer than agreed.

Any hire costs which you have to pay may either be deducted

from the settlement we agree to pay you, or added to your

excess.

You will have to pay the running costs of the courtesy car (e.g.

the cost of fuel) and also any fines or penalties incurred by you,

while you are using the car.

Damage to your car (continued)Section 4

If you agree to use one of our

approved repairers you may be

entitled to a courtesy car for the

duration of the repair.

This is subject to availability of

courtesy cars at the repairer and

whether your car can be

repaired.

Please see page 18 forexceptions to section 4.


What we coverThis section only applies to your car.

We will cover you under this section if the loss or damage to

your car is caused by fire, theft or attempted theft (less any

excess which applies).

We will also provide the same cover for loss or damage to your

car’s spare parts and fitted accessories supplied by the

manufacturer. You must keep the spare parts and accessories

with your car and their value must be within the maximum

amount we pay.

We will not pay under this section for loss or damage more

specifically covered under section 6 of this insurance.

We will (at our option) either:

• repair or replace your car; or

• pay you an amount of cash.

Theft of keysIf the keys or key fob for your car are stolen, we will pay the

cost of replacing:

• the keys or key fob;

• the door locks or boot lock (or both); or

• the ignition and steering lock.

We will also pay the cost of re-coding or, if necessary, replacing

any alarm system your car has.

The most we will pay as a result of theft of keys or key fob is

£500 for any one incident.

The most we will payIf your car was first registered from new in the United Kingdom,

the most we will pay will be its market value immediately before

the loss or damage (including its spare parts and accessories).

If your car was first registered from new in a country other than

the United Kingdom, and we know about this and have agreed

cover, the most we will pay will be:

• the amount shown on your purchase receipt for your car

(including spare parts and accessories); or

• the market value of the manufacturer’s United Kingdom

model with the nearest equivalent specification (including

spare parts and accessories);

whichever is lower.

Loss or damage to your car by fire or theft

Section 5

Guidance notes

Under this section we will

provide cover when your car is

stolen, damaged by thieves or

damaged by fire. You will need

to pay the excess shown on

your schedule.

If your car is stolen, we will

assume that it was in average

condition for its age unless you

give us other evidence.

You should make every effort to

protect your car from theft.

Please make sure you keep your

keys safe when you are not

using your car.

The amount we pay may be

different if your vehicle was not

registered in the UK from new.

If your vehicle has been

imported you must tell us at the

time you arrange cover.


Guidance notes

If you agree to use one of our

approved repairers you may be

entitled to a courtesy car for the

duration of the repair.

This is subject to availability of

courtesy cars at the repairer and

whether your car can be

repaired.


If your vehicle is under a lease agreement the most we will pay

is the written down value or the market value whichever is the

lesser.

Giving you a new carIf your car is less than one year old and has covered less than

15,000 miles and you have been the first and only registered

owner, having bought and registered the car in the UK, we will

replace it with one of the same make, model and specification if

it has:

• been stolen and not recovered;

• been totally destroyed; or

• suffered damage covered by the policy and the cost of

repairing it will be more than 60% of the last UK list price

(including car tax and VAT).

We can only do this if a replacement car is immediately available

in the UK and anyone else who has an interest in your car (for

example a hire-purchase company) agrees.

If a suitable replacement car is not immediately available in the

UK, the most we will pay is the market value of your car before

the accident or loss (including its spare parts or accessories).

We can only do this if anyone else with an interest in your car

agrees.

Once we have made this payment or provided a replacement,

we will be entitled to take ownership of your car.

Courtesy car provisionFollowing a claim under this section of your policy, you may be

entitled to a courtesy car while your car is being repaired. This

is subject to:

• us agreeing that the claim is covered under your policy;

• the repairs being carried out by one of our approved

repairers; and

• the approved repairer having a car available for you to use.

You will not be entitled to a courtesy car if:

• we cannot repair your car or the cost of repairing your car is

uneconomical or

• your policy does not cover the damage.

The courtesy car will be insured on a comprehensive basis

(including business use if your policy provides this cover) for the

period for which we have agreed you may have the courtesy

car. Only you and those drivers permitted to drive under your

policy will be covered.

Loss or damage to your car by fire or theft (continued)

Section 5


You will be required to pay an excess towards any loss or

damage to the courtesy car whilst it is in your possession. The

excess payable by you will not exceed that payable by you

under the terms of your policy.

If we have provided you with a courtesy car and while your car

is being repaired it becomes apparent that we cannot repair

your car or that the cost of repair is uneconomical you must

return the courtesy car within 2 days of us informing you. If you

do not, you will have to pay the hire costs of the courtesy car

after this period.

You will have to pay the hire costs if you keep the courtesy car

for longer than agreed.

Any hire costs which you have to pay may either be deducted

from the settlement we agree to pay you, or added to your

excess.

You will have to pay the running costs of the courtesy car (e.g.

the cost of fuel) and also any fines or penalties incurred by you,

while you are using the car.

Loss or damage to your car by fire or theft (continued)

Section 5

What we coverWe will cover you under this section for loss of or damage to in-

car entertainment and navigation equipment permanently fitted

to your car.

• If such equipment is fitted as standard by the manufacturer

then you will have unlimited cover but will have to pay any

excess which applies.

• If such equipment is not fitted as standard by the

manufacturer (i.e. it was fitted after the original registration)

the most we will pay to replace or repair the equipment is

the market value at the time of the loss or damage up to a

maximum of £500. This amount is subject to any excess

which may apply.

Loss of or damage to in-car entertainmentand navigation equipment

Section 6



What sections 4, 5 and 6 do not covera Damage to or theft of phones or two-way radios.

b An amount of money to compensate you for not being able

to use your car and any other expenses you have to pay

because of this.

c Loss of value, wear and tear.

d Any reduction in the value of your car, including loss of value

following damage whether the car was repaired or not.

e Damage to tyres caused by braking, punctures, cuts or

bursts.

f Damage caused by frost unless you took reasonable

precautions.

g The cost of repairing or replacing parts of the car which

improve your car beyond its condition before the loss or

damage happened.

h The cost of repairing or renewing areas which were not

damaged in the incident for which you are claiming.

i The loss of, or damage to, your car resulting from fraud,

deception or attempted fraud or deception or by the use of a

counterfeit or other form of payment which a bank or

building society will not authorise.

j The amount of any excess shown in your schedule and in

section 8 of this document.

k Mechanical, electrical, electronic, computer or computer

software breakdowns, failures, faults or breakages.

l Loss or damage when your car is left unattended if the last

person in charge of your car before the loss or damage

happened is not shown on your certificate of motor

insurance as allowed to drive.

m Damage to or loss of your vehicle or its accessories if the

vehicle is left unattended unless all ignition keys are removed

from your vehicle and all doors, windows and other openings

are closed and locked so that your vehicle is fully secured.

This applies even for short periods such as in a petrol

station.

n Loss or damage resulting from your car being repossessed

by or returned to its rightful owner.

o Loss or damage caused by an inappropriate type or grade of

fuel being used.

p Loss or damage caused by chewing, scratching, tearing or

fouling by domestic pets or caused by vermin, insects,

mildew, fungus or any gradually operating cause.

q Loss or damage caused by poor workmanship.

Exceptions to sections 4, 5 and 6

Guidance notes

Under all contracts some

situations are not covered.

Please read this section carefully

to make sure you understand

what cover is not included in

your own insurance.

You are not covered for hiring a

replacement car.

You must follow the

manufacturer’s instructions to

avoid liquid freezing in the

cooling system of your car.

We will not pay for any repairs

or replacements which leave

your car in a better condition

than it was before the incident. If

this happens, you will have to

pay something towards the cost.

For cover to apply under this

insurance if you lend your car to

anyone else, you must make

sure that you include them as a

driver on your certificate of

motor insurance.

If you leave your car, it will not

be covered if you have not

removed the ignition key, closed

the windows and sunroof, and

locked all the doors. This even

applies for short periods, such

as in a petrol station.



What we coverIf you have comprehensive cover you can claim for damage to

the glass in your vehicle’s windscreen, windows or sunroof.

• If Glassline arrange to replace the glass, you will have

unlimited cover but you will have to pay the excess shown

on your schedule.

• Unless Glassline arrange to replace the glass, you will only

be covered for the reasonable cost of replacing the glass

subject to a maximum of £150 less the excess.

• If the damaged glass is repaired, instead of replaced, you will

not have to pay the excess, as long as Glassline arrange for

the repair.

• If the damaged glass is repaired, instead of replaced, but not

through Glassline you will have to pay the excess shown on

your schedule.

• As long as there is no other damage, we will pay you under

this section and it will not affect your no-claim bonus.

• Any other excess we mention in this document will not apply

to glass claims.

Repairing and replacing glass

Guidance notes

This section shows the cover

you have for damage to glass in

your windscreen and windows.

Glass cover only applies to

comprehensive insurance -

check before you claim.

Please contact Glassline’s

24-hour helpline on 0800 587

0808. They will arrange for the

repair or replacement.

Glassline will ask for your

certificate of motor insurance. If

you show them this, you will

only have to pay the excess,

and VAT if you are registered for

VAT. You do not need to do

anything else. Glassline will send

the account direct to us.

There is an excess on all glass

claims - unless the glass is

repaired through Glassline.

You can claim for damage to

panoramic roofs under Section 4

or 5 provided these sections

apply to your policy. Any

payment is subject to the policy

excess and loss of no claims

bonus.

If your insurance allows certain

drivers under 25 to drive your

car, or people who are

inexperienced or hold a non-UK

licence, you will have to pay the

amount shown towards the cost

of repair or towards a total loss

payment. This applies whoever

is at fault.

Any other excesses shown on

your schedule will apply as well.

Section 7

If your car is damaged while a young or inexperienced person

(including you) is driving, or is in charge of the car, you will have

to pay the first part of the cost as shown below.

This is in addition to any other excesses that you may have to

pay.

Drivers Amount of excess

Under 21 £300

Aged 21 to 24 £200

Aged 25 or over but not holding a full driving

licence issued in the United Kingdom £150

Aged 25 or over holding a full driving licence

issued in the United Kingdom, but having held

it for less than a year £150

These amounts do not apply to fire, theft, attempted theft or

glass claims.

Excesses for young or inexperienceddrivers

Section 8

24-hour glass helpline - freephone 0800 587 0808and have your certificate of insurance available

What we do not cover• Damage to panoramic roofs.

What we coverIf you, your husband, your wife, your civil partner or common

law spouse are injured or die within three months of an accident

in your car and as long as the accident is the only cause of the

injury or death, we will pay the following amounts:

a For death - £2,500

b For loss of any limb - £2,000

c For permanent blindness in one or both eyes - £2,000

This cover also applies when you, your husband, your wife or

your civil partner are travelling in, or getting in or out of, any

other private motor car.

The most we will pay for anyone following one accident is

£2,500.

We will make this payment to you or your legal representative.

If you, your husband, your wife or your civil partner have any

other insurance contract with us, we will only pay out under one

contract.

What we do not covera Death or bodily injury caused by suicide or attempted

suicide.

b Incidents unless the insurance is in one person’s name.

c Anyone who was under the influence of alcohol or any drug

at the time of the accident.

d Death or injury if you make a claim under section 1.

Personal accident benefits

Guidance notes

This is the cover available for

death and injury to you, your

husband, your wife, your civil

partner or your common law

spouse after an accident.

Please read the circumstances

where this benefit will not apply.

Section 9



What we coverWe will pay up to £100 for personal belongings in your car if

they are stolen or damaged.

What we do not covera Trade goods or samples or any equipment to do with your

work.

b Money, stamps or documents.

c Any audio equipment, cassettes, records or compact discs.

d Phones or two-way radios.

e Theft of items carried in an open or convertible car, unless

you keep them securely locked in the boot.

f Property insured under any other insurance contract, or

property you have not reasonably protected.

The personal belongings section only applies once for each

event.

Personal belongings

Guidance notes

Most of your personal

belongings worth up to £100 are

covered, but make a note of the

items we do not cover under

this insurance.

We expect you to take

reasonable care of your

belongings by always locking

the car and keeping your

personal items in the boot.

Section 10

What we coverAutomatic cover

• We will extend your insurance cover to apply in the following

countries for up to

90 days in any one insurance year while you are using your

car for social, domestic

or pleasure purposes. Cover is also included while your car

is being transported to

and from these countries by rail or by a recognised sea route

which takes less than

65 hours.

a Any member of the European Union.

b Andorra.

c Iceland.

d Liechtenstein.

e Norway.

f Switzerland.

g Serbia.

If you go over the 90-day period without our permission,

cover is reduced to the minimum you need under

European Union Directives on motor insurance while your

car is in the countries shown above.

Extended cover# If we agree beforehand and you pay any extra premium we

need, you may extend your insurance to apply to certain other

countries covered by the International Green Card System.

u If we agree beforehand and you pay any extra premium we

need, you may extend your insurance to apply while you are

using your car abroad for business purposes. We will only agree

to extend cover to countries which are covered by the

International Green Card System.

If the cover under sections 4 or 5 has been extended to apply

abroad we will also cover any foreign customs duty you have to pay

as a direct result of the loss of or damage to your car.

Foreign travel

Guidance notes

• If you are going abroad

on holiday you can take

your car to the countries

listed for up to 90 days in

each insurance year.

Please tell your insurance

adviser the details of your

journey beforehand.

Section 11

# We can extend cover to

certain other countries.

Please ask your insurance

adviser to arrange this for

you.

u If you want to use your car

abroad for business, you will

need to ask your insurance

adviser to arrange for your

cover to be extended

beforehand.



Spanish bail bond

• Our representatives (in Spain) can act to release your car or

you if you or it are held after an accident.

Our representatives can pay up to £1,000 to do this.

If they pay any money under this bond, you will have to

refund the amount to us.

❋ Autorizamos a la Oficina de Aseguradores de Automóviles de

Madrid o sus representantes designados a actuar en nombre

de nuestro Asegurado para obtener la liberación del vehículo

y/o del Asegurado y/o de la persona autorizada para

conducir el mismo de detención oficial como consecuencia

de un accidente.

A tal efecto, la Oficina de Aseguradores de Automóviles de

Madrid o sus representantes designados queda autorizada

por el presente para establecer garantías o depósitos hasta

£1000 o 1500 euros en concepto de fianza penal. (La

finalidad de esta garantia no es aplicable en casos de

multas.)

Guidance notes

Foreign travel (continued)Section 11

• In Spain you need special

cover, known as a bail bond.

This bail bond is usually

enough to prevent your

vehicle being impounded

in Spain after an

accident.

❋ We have explained your

Spanish bail bond cover in

Spanish in case you need to

show it to the authorities

there.

In some circumstances you

may have to pay for medical

treatment after an accident.

You are covered up to £250

for each person for each

accident.

What we coverIf there is an accident involving your car, we will pay up to £250

to cover the medical expenses of each person who is injured

while they are in your car.

Medical expensesSection 12

What we coverWe may provide a legal representative to advise and represent

anyone covered under section 1, if proceedings are taken out

against that person for manslaughter (including any costs

arising from you being prosecuted under the Corporate

Manslaughter and Corporate Homicide Act 2007) or causing

death by dangerous or careless/inconsiderate driving.

What we do not covera Costs covered by another insurance policy.

b Proceedings where the driver is under 21 at the time of the

accident.

c Proceedings where the driver is under the influence of

alcohol or any drug at the time of the accident.

d Any costs arising from you being prosecuted under the

Corporate Manslaughter and Corporate Homicide Act 2007

in relation to any voluntary work mentioned in section 1.

e Any fines or penalties imposed as a consequence of a

prosecution under the Corporate Manslaughter and

Corporate Homicide Act 2007 or any prosecution costs.

Our cover under this section is limited to £5,000 in any one year

of insurance (except for costs arising from you being

prosecuted under the Corporate Manslaughter and Corporate

Homicide Act 2007 which are limited to £5 million in any one

year of insurance unless stated otherwise).

We can settle claims (except those arising from you being

prosecuted under the Corporate Manslaughter and Corporate

Homicide Act 2007 where the limit is £5 million unless stated

otherwise) by paying you £5,000 less the costs that have

already been paid.

Legal costs

Guidance notes

Under this section we will

provide a solicitor to represent

you if a ‘manslaughter’

(including corporate

manslaughter) or ‘causing

death by dangerous or

careless/inconsiderate driving’

charge is brought against you

after an accident.

There are limits to the cover we

provide.

Section 13



If nobody makes a claim or notifies us of an incident that may

lead to a claim under your insurance during the insurance period,

we will give you a discount when you renew your insurance. The

discount you will receive will depend on the no-claim bonus

scale we are using when you renew your insurance.

If you make a claim or notify us of an incident that may lead to a

claim in any insurance period, we will reduce the discount you

receive.

If three or more claims are made in any one period of insurance

you will lose all your no-claim bonus.

If more than one car is covered by this insurance, we will assess

each car individually.

Your no-claim bonus will not be affected if you only claim for a

broken windscreen or windows.

You cannot transfer your no-claim bonus to someone else.

Protected no-claim bonus

Depending on certain conditions you may be able to protect

your no-claim bonus if you pay an extra premium. Your no-claim

bonus is only protected if this is shown on your schedule.

If your no-claim bonus is protected we will not reduce it if you

do not make more than two claims during any three years of

insurance. If three or more claims are made during any three-

year period we will reduce the discount you receive.

No-claim bonus

Guidance notes

We will give you a discount

on your premium each year if

you do not make a claim.

If you make a claim and we

cannot recover the amount

we pay, we will reduce the

bonus even if the event was

not your fault.

If you make two or more

claims in one insurance year,

you will lose all your bonus.

Claims for just glass

breakage do not affect your

no-claim bonus.

By paying an extra premium

you can protect your no-

claim bonus. Although your

level of no-claim bonus may

be protected, this does not

mean that your premium will

not be increased if, for

example, your accident or

conviction record justifies

this. Your insurance adviser

can give you more details.

Section 14


These exceptions apply to the whole insurance.Your insurance does not cover the following

A Any liability to others, or loss of or damage to any car

covered by this insurance when the car is:

1 driven by or in the charge of anyone who is driving

without your permission or is not included as a driver in

the certificate of motor insurance or who is excluded by

an endorsement;

2 in the charge of anyone who is disqualified from driving,

or who has not held, or who by law is prevented from

holding or getting a driving licence;

3 being driven by any person who holds a driving licence

but is not complying with any terms or conditions that

may apply to that licence;

4 outside the United Kingdom, unless it is allowed by

section 11;

5 being used in restricted areas of airports or airfields (we

will not pay any claim involving aircraft within the

boundary of the airport or airfield);

6 being driven in an unsafe, unroadworthy or damaged

condition or does not have a valid MOT certificate when

needed;

7 being driven with a load or a number of passengers

which is unsafe or greater than the manufacturer’s

specifications;

8 carrying an insecure load;

9 towing a trailer which is unsafe or has an insecure load;

10 used for a purpose which it is not insured for (as long as

you do not make a profit, your employer can pay an

allowance for the number of miles you drive, or a

passenger can contribute towards the cost of fuel); or

11 being driven outside the limitations of the driver’s licence

including where you or any appropriate driver is

negligently in breach of the Road Safety Act 2006,

except where we are required to provide this cover under

the Road Traffic Acts or any other legislation applicable

to motor insurance.

B Any result of war, revolution or similar event. Any loss or

damage caused by any government, public or local authority

legally taking or damaging your property.

C Any loss or damage caused by:

• earthquake; or

• riot or civil commotion happening in Northern Ireland or

outside the United Kingdom.

General exceptions

Guidance notes

These general exceptions apply

to all sections of your insurance

and explain when your insurance

will not cover you.

1 The driver of your car must

be covered on your

certificate.

2 The driver must not be

disqualified from driving.

3 Whoever is driving must

keep to the conditions of

their driving licence.

4 This insurance is for the

United Kingdom plus the

countries described in

section 11.

5 There is no cover under this

insurance within restricted

areas of airports.

6 Your car must be safe to

drive.

7 Your car must not be

overloaded.

8 If you are carrying a load it

must be safe.

9 If you are towing a trailer

with a load, the trailer and

load must be safe.

10 You can only use your car

for the purposes shown on

the certificate. You can

accept contributions

towards petrol as long as

you keep to the conditions

we set.


D Any liability you have accepted by agreement or contract

unless that liability would have existed without the

agreement.

E Any loss or damage caused directly or indirectly by:

• ionising radiation, or contamination by radioactivity from

any nuclear fuel, or from any nuclear waste from burning

nuclear fuel; or

• the radioactive, toxic, explosive or other dangerous

properties of any explosive nuclear material or any part

of it.

F Loss or damage caused by pressure waves from aircraft or

flying objects.

G Loss or damage by pollution or contamination, however

caused, other than cover needed by the Road Traffic Acts or

any other laws which apply to motor insurance.

H Any loss, damage, injury or legal liability caused directly or

indirectly by terrorism or any similar event. This exception

does not apply to the cover we must provide under the Road

Traffic Acts or any other laws which apply to motor

insurance. This exception does not apply to sections 4, 5, 6

and 7 of this insurance.

I Any loss, damage, or liability incurred while your vehicle is

being used in any form of competition, rally, trial, track day,

performance test, timed lap, race or speed trial whether or

not your vehicle is on private property, a public road, a

private racetrack, roads that have been closed by

central/local government for motorsport purposes or a

derestricted toll road. (Derestricted toll roads are roads the

public can pay to have access to and where speed

restrictions are temporarily or permanently suspended

including the Nurburgring).

J We will not provide any cover under this insurance (other

than that required by the Road Traffic Acts), if an accident

occurs whilst you or any other insured person whilst driving;

a is found to be over the lawful limit for driving with alcohol

b is driving whilst unfit through drink or drugs, whether

prescribed or otherwise

c fails to provide a sample of blood, urine or breath when

required to do so, without a lawful reason.

In addition we will recover from you or the driver all sums

paid (including legal costs) whether in settlement or under a

judgment of any claim arising from an accident including

damage to your car and any third party claim.

K Loss or damage caused intentionally by you or any other

person covered under this policy or any member or your

family, or loss or damage someone else causes with your

permission or encouragement.

General exceptions (continued)


A We will only provide the cover described in this insurance

under the following circumstances.

1 Anyone claiming cover under this contract has kept to all

the conditions in this document and any endorsements.

2 The information you gave on the proposal form or

statement of insurance and any declaration is true and

complete. If you do not give us accurate information, this

could lead to your claim not being paid and/or your

insurance not being valid.

3 ‘Your car’ means any car you have told us about and that

we have agreed to cover. The car must be your property

and registered in your name. If you change the car

covered by this insurance or get an extra car which you

need cover for, you must tell us in writing beforehand.

We will only provide cover if you have paid the premium.

B If a claim is made which you or anyone acting for you knows

is false, or if you give us incorrect information or fraudulent

documents, we will not pay the claim, cover under this

insurance will not be valid, and you will lose any premium

you have paid. We may also contact the police and/or

relevant authority(s) in relation to possible criminal

proceedings.

C After any event which could lead to a claim, tell us

immediately by phoning us on 0800 072 2050 or by writing

to the address at the end of this document. If any incident

involves theft, attempted theft or vandalism you must also

report this to the police as soon as the incident is

discovered.

D You must send us any letters, writ or summons as soon as

you receive them, together with a filled-in report form. Do not

answer any letters, send them straight to us. You must also

tell us if you know about any prosecutions involving anyone

covered by this insurance. If you have an accident or loss,

you must not admit to anyone else that it was your fault or

negotiate or refuse any claim unless you have our

permission.

E We are entitled to take full control of any claim and we must

be given whatever information and help we need. You must

not do anything that will affect our interest in this insurance.

We can prosecute or defend any claim in your name.

General conditions

Guidance notes

You must keep to these

conditions or your insurance will

not be valid. Your insurance only

covers people who meet these

conditions and all the

information you give to us in the

proposal form or statement of

insurance must be completely

true and accurate.

We will not pay any claim which

is false or fraudulent.

If your vehicle is broken into,

stolen or vandalised you must

tell the police.

This is the procedure for

reporting accidents and thefts to

us. Do not admit an accident or

loss was your fault or negotiate

a claim without our permission.


General conditions continued on the next page.

F If the law in any country to which this insurance applies

obliges us to make a payment which we would not otherwise

have paid, we reserve the right to recover the amount paid

from you or the person, company, partnership or firm that

incurred the liability which made the payment necessary.

G If your car is damaged and a part or accessory cannot be

repaired or replaced, we will only pay you the amount shown

in the manufacturer’s last United Kingdom list price. If we

know that your car is an imported vehicle which we have

agreed to cover, and the damaged part or accessory has

never been available in the United Kingdom, we will only pay

the manufacturer’s last list price in the country your car came

from. We will not pay for the cost of importing any part or

accessory needed to repair your car.

H If your car is under a hire purchase or leasing agreement and

it is damaged and cannot be repaired or replaced, we will

pay the claim to the owner shown in that agreement.

I If there is other insurance in force which covers the same

loss, damage or liability as our insurance, we will only pay

any amount above that provided by the other insurance. This

condition does not make us responsible for any amount we

would not otherwise have paid under any section of this

insurance.

J You must at all times take all reasonable steps to safeguard

your vehicle from loss or damage. You shall maintain your

vehicle in efficient and roadworthy condition and your insurer

shall have, at all times, free access to examine such vehicle.

K If you have an accident, you must take all possible steps to

protect your car and its accessories and contents. If the

damage to your car is covered by this insurance, you must

contact us immediately. We will not pay for any further

damage you cause if you try to drive your car. One of our

approved automotive assessors must inspect your car before

repairs are started. We will not be responsible for the cost of

any new parts or accessories ordered, or repairs carried out,

without our agreement. If we think the repair estimate is

unreasonable, we may negotiate a lower estimate or pay for

any work that may have been done and move your car to

another repairer. We have the right to move your car to a

safe storage place without asking you.

L If we choose, we may arrange for the repairer to use suitable

(possibly recycled) parts and accessories that are made by a

company other than the manufacturer of your car.

M You cannot transfer this insurance to anyone else.

Guidance notes

You must keep your car in a

safe and roadworthy

condition and make every

attempt to protect it from

damage or theft.

If you leave your car, it will

not be covered if you have

not locked and secured it.

This applies even for short

periods, such as in a petrol

station.

General conditions (continued)


N Cancelling during the initial period of cover – ‘Retail’

customers only.

If you have entered into this contract of insurance as a retail

customer, you have a right to cancel this insurance. To do

this, you must tell us or your insurance adviser within 14

days of the start date (or annual renewal date) of your policy

or (if later) the day you receive the policy documents and

supporting information. Cancellation will take effect from the

date we receive your notice to cancel but cannot be

backdated.

If you choose to cancel the insurance policy during this initial

period of cover, provided you have not made any claims in

the current period of insurance, and you are not going to

make a claim, you will have to pay ‘pro-rata’ rates for the

period of time you have had insurance cover. Further

charges may include a proportion of any commission paid to

your insurance adviser and a proportion of any fees charged

by your insurance adviser, sufficient to cover their costs.

O This insurance may also be cancelled in the following

circumstances.

We or your insurance advisor may cancel this policy by

sending seven days’ notice to your last known address

where there is an exceptional or valid reason for doing so.

We will refund the part of your premium which applies to the

period of the insurance you have left.

We will make a deduction for any administration costs we

have incurred.

If we or your insurance adviser cancel this insurance

because you have not paid the full premium no refund will be

given. We will not give a refund if anyone has claimed in the

current insurance period. It is a serious offence under section

143 of the Road Traffic Act 1988 to use, or allow any person

to use a motor vehicle on a road without a valid motor

insurance policy in force.

Exceptional or valid reasons may include but are not limited to:

– You do not pay the premium or an instalment when you

have been notified that an outstanding amount is required

by a specific date.

– you or anyone else covered by this insurance has not met

the terms and conditions in this document of motor

insurance including those shown on your schedule.

– you have not provided the requested documentation (e.g.

evidence of your current address, proof of no claims

bonus) or provided access to your driving licence details

as held by the appropriate authority.

– a change in your circumstances means that we can no

longer provide cover.


Guidance notes

If you are a ‘retail’ customer,

you may cancel the

insurance within 14 days of

its start without giving any

reasons. You will be entitled

to a pro-rata refund of your

premium, not including any

charges to cover costs.

We may cancel the

insurance by sending you

seven days’ notice. You may

be entitled to a refund of

part of your premium. You

may also cancel this

insurance by notifying us or

your insurance intermediary

and you may be entitled to a

refund if you have not made

a claim.


General conditions continued on the next page.

– where we identify misrepresentation or fraud or any

attempt to gain an advantage under this insurance to

which you are not entitled.

– use of threatening or abusive behaviour or language or

intimidation or bullying of our staff or suppliers.

– where the circumstances of a new claim, or an incident

we have become aware of mean that we no longer wish

to provide cover.

– if as a result of a claim under this insurance you have not

co-operated with our reasonable request for any

documents and/or information, we may no longer wish to

provide cover.

• You can cancel this insurance after the initial period of

cover set out in N above. Cancellation will take effect

from the date we receive your notice to cancel, or a date

in the future that you have specified, but cannot be

backdated. If you have not made any claims in the current

period of insurance, and you are not going to make a

claim, we will work out a charge for the time you have

been covered using our short-period rates shown below.

We will refund any amount we owe you.

Period of time you have Refund ofhad the cover, up to: premiumOne month 80%

Two months 70%

Three months 50%

Four to five months 40%

Six months 30%

Seven months 20%

More than seven months 0%

P If you pay your premium by instalments and have paid a

deposit premium, if we then do not receive an instalment

when it is due, we will send you seven days’ notice of

cancellation. You must pay the full amount you owe before

the seven days are up. If you do not pay the full amount, we

will cancel the insurance immediately. It is a serious offence

under section 143 of the Road Traffic Act 1988 to use, or

allow any person to use a motor vehicle on a road without a

valid motor insurance policy in force. If your vehicle is lost or

damaged and cannot be repaired or replaced and the loss or

damage is covered by this insurance, you must pay all the

premium you owe, We will have the right to take any

premium you owe from the amount of the claim.


Guidance notes


Q You must tell us as soon as possible about any changes

which could affect your insurance and which have happened

since the cover first started or since you last renewed it. If

you do not tell us about these changes, your insurance may

not cover you fully or at all. If you are not sure whether any

facts are important, please ask your insurance adviser. Here

are some examples of changes you should tell us about.

• A change of car - including getting an extra car. We will

need full details of your new car, which must include

information about the country in which it was first

registered if this was different to the United Kingdom.

• A change in the way you use your car.

• A change of address.

• A change of occupation, including any part-time work.

• Convictions and prosecutions.

• A change in the main driver of the car.

• Details of drivers you have not told us about before.

• Details if you or anyone who will drive develop any

medical conditions.

• All changes you make to your car, if these make your car

different from the manufacturer’s standard specification.

Without affecting the condition relating to cancellation we

shall be entitled to increase or reduce the premium and/or

vary the terms, conditions and exceptions of this policy in

respect of the unexpired term of this insurance to adequately

reflect the alteration in the risk.

R This insurance does not give rights to any person other than

you (the insured person) unless we say differently elsewhere

in this document.

S Unless we have agreed otherwise with you, this insurance is

governed by the law applying in the particular country in the

United Kingdom you live in. If there is any dispute over which

law is to apply to this insurance it will be English law. We will

not cover any payments that are awarded by a court in a

country outside of the United Kingdom unless your cover has

been extended to that country under section 11 of this

insurance.

T If your vehicle is lost or damaged and cannot be repaired or

replaced, and the loss or damage is covered by this

insurance, when we settle your claim your vehicle will

become our property. We will not refund any premium for the

period of insurance you have left but we may decide to let

the cover continue for a replacement vehicle.


Guidance notes

You must tell your insurance

adviser immediately if there are

any changes to the information

you have given us. If you do not

do this, your insurance cover

may not be valid.

If your vehicle is a ‘write-off’ and

we offer to settle your claim, this

insurance will end for your

vehicle when you accept the

payment. The insurance can

only be transferred to a

replacement vehicle if we give

our permission.


What to do if you have to make a claim1 Do not drive away. You must stop if any person or animal

has been hurt, or if any vehicle or property has been

damaged.

2 Ask for the names and addresses of any other drivers or

pedestrians. If there is another driver involved, ask for the

name of his or her insurer and for their insurance policy or

certificate number.

3 If the accident damaged another vehicle, property or animal,

you must give your name, address, vehicle registration

number and show your insurance certificate to anyone who

needs it. If anyone other than you is injured, you must show

your insurance certificate to the police.

4 Write down the names and addresses of any witnesses.

5 Draw a diagram of the scene. Show as much detail as

possible - include:

• the position of all the cars before and after the accident;

• the speeds and distances;

• road names and layout;

• where witnesses were standing;

• any obstructions to your or other road users’ view; and

• anything that could be relevant to the accident.

6 Do not admit you were at fault in any way or offer to makea payment. If any other person does this remember to report

it to us.

7 You must report all accidents, particularly those involving

personal injury, to us immediately. You can phone if

necessary. You may also be asked to complete an Accident

Report Form.

You will need to answer all the questions on the form and

sign and date it.

8 If you receive any writ, summons or correspondence from

anyone else or their representative, send it to us immediately.

You must tell us if there is going to be any police action.

How to make a claimIf you need to tell us about an incident involving damage to or

loss of your car, please phone us immediately on 0800 072 2050.

Calls made to or from this number and other numbers at the

Insurer may be recorded for training and monitoring purposes.

Very important if you have an accident

Guidance notes

Please follow these instructions

if you need to make a claim.

Your insurance adviser will send

you a claim form and give you

advice.

You must report all accidents

to us immediately.

Very important if you have an accident continued on the next page.


You should phone this number even if your policy does not

cover the damage.

If we are asked to repair your car, we will do this if the damage

is covered by the policy and one of our approved assessors has

inspected the damage.

We promise to:

• do our best to sort out your claim with as little paperwork as

possible; and

• start the repair process immediately.

To help us process your claim, please make sure you have your

policy details to hand when you contact us. We will also need

you to tell us the precise details of the incident.

Travelling outside the UKIf you are travelling abroad and need to let us know about a

claim, please contact your insurance broker or intermediary or

alternatively phone our local agents on 0044 1252 820161.

Accidents abroadYou may be asked to complete a European Accident Report

Form (Constat Amiable D´ Accident Automobile) if you are

involved in a road traffic accident within the European Union.

Before signing make sure that the boxes are ticked and the

comments and diagram are correct. You will be given a copy

which should be sent to us as soon as possible. This documentcan be legally binding in certain countries and you should notsign anything you do not understand.

Your policy does not provide for roadside assistance.

You must report the accident immediately to us.

Very important if you have an accident(continued)


Guidance notes

We aim to provide you with a

high standard of service but, if

you are dissatisfied in any way,

this information explains exactly

how to proceed.

What to do if you have a complaintWe are dedicated to delivering a first class level of service to all of our

policyholders. However, we accept that things can occasionally go wrong and

would encourage you to tell us about any concerns you have so that we can take

steps to make sure the service you receive meets your expectations in the future.

If a dispute regarding your policy or claim arises and cannot be resolved byreference to your insurance intermediary the following explains the proceduresfor resolving your complaint:The resolution of complaints in relation to your policy (or any claim made under it) is

delegated to our service providers in the United Kingdom, Zenith Marque Insurance

Services Ltd. If you have a complaint, please contact our service providers at the

address below:

Zenith Marque Insurance Services Limited

Prospect House, Thanet Way, Whitstable CT5 3FD

Email: [email protected]

When contacting Zenith Marque Insurance Services Limited please provide:

• A policy number and/or claim number

• An outline of your complaint

• A contact telephone number

Our service providers will make every effort to resolve your complaint by the end of

the third working day after receipt. If they cannot resolve your complaint within this

timeframe they will acknowledge your complaint in writing within five working days

of receipt and do their best to resolve the problem within four weeks by sending

you a final response letter. If they are unable to do so, they will write to advise you

of progress and will endeavour to resolve your complaint in full within the following

four weeks. If they are still unable to provide you with a final response at this stage,

they will write to you explaining why and advise when you can expect a final

response. At this point you may refer your complaint to The Financial Ombudsman

Service at the following address:

The Financial Ombudsman Service

Exchange Tower,

London E14 9SR.

Email: [email protected]

What you should knowYou may go directly to the Financial Ombudsman Service when you first make your

complaint, but the Ombudsman will only review your complaint at this stage with

our consent. However, we are still required to follow the procedure stated above.

If you have received a final response but are dissatisfied, you have the right of

referral to the Financial Ombudsman Service within six months of the date of your

final response letter. You may only refer to the Ombudsman beyond this time limit if

we have provided our consent.

Whilst we and our UK service providers are bound by the decision of the Financial

Ombudsman Service, you are not. Following the complaints procedure above does

not affect your right to take legal action.

Customer FeedbackIf you have any suggestions or comments about our cover or the service we have

provided please write to our UK service providers:

Zenith Marque Insurance Services Limited

Prospect House, Thanet Way, Whitstable CT5 3FD

We always welcome feedback to enable us to improve our products and services.

Telephone RecordingFor our joint protection telephone calls may be recorded and monitored by us.

Our Service Commitment


Endorsements

DT1 Driving Tuition1. Applies to all sections of your policyYour policy is extended to provide cover when your vehicle is being used for driving tuition or

driving test purposes. When your vehicle is being used for these purposes, the driver under

instruction or examination must be accompanied by a Driving Standards Agency (DSA)

Approved Driving Instructor (ADI), Prospective Driving Instructor (PDI) or Test Examiner.

It is a General Condition that your vehicle must be fitted with active Dual Controls at all times,

otherwise your policy cover is inoperative.

Your policy is extended to cover your vehicle when it is driven by or is for the purpose of being

driven by an unlicensed driver aged fifteen or over, provided that they are accompanied by a

DSA Approved Driving Instructor or Trainee Driving Instructor at all times, and the vehicle is

only used where a driving licence is not required by law.

Your policy is extended to provide cover for you and/or your employees permitted to drive by

the current Certificate of Insurance against your/their legal liability to pupils driving under

instruction when you or that employee are using your vehicle as an instructor whilst a

passenger, for the purpose of Driving Instruction.

Use of your vehicle for social, domestic and pleasure purposes is excluded for drivers aged

under twenty five.

2. Applies only to Section 8 of your policyWhilst your vehicle is being driven, or is for the purpose of being driven, in the charge of a

pupil under instruction or examination accompanied by a registered Driving Instructor or

Driving Test Examiner, Section 8 of your policy does not apply.

DT2 Driving Tuition (Name)1. Applies to all sections of your policyYour policy is extended to provide cover when your vehicle is being used for driving tuition or

driving test purposes. When your vehicle is being used for these purposes, the driver under

instruction or examination must be accompanied by a Driving Standards Agency (DSA)

Approved Driving Instructor (ADI), Prospective Driving Instructor (PDI) or Test Examiner.

It is a General Condition that your vehicle must be fitted with active Dual Controls at all times,

otherwise your policy cover is inoperative.

Your policy is extended to cover your vehicle when it is driven by or is for the purpose of being

driven by an unlicensed driver aged fifteen or over, provided that they are accompanied by a

DSA Approved Driving Instructor or Trainee Driving Instructor at all times, and the vehicle is

only used where a driving licence is not required by law.

Your policy is extended to provide cover for you and/or your employees permitted to drive by

the current Certificate of Insurance against your/their legal liability to pupils driving under

instruction when you or that employee are using your vehicle as an instructor whilst a

passenger, for the purpose of Driving Instruction.

Use of your vehicle for social, domestic and pleasure purposes is excluded for drivers aged

under twenty five other than the person(s) named above.

2. Applies only to Section 8 of your policyWhilst your vehicle is being driven, or is for the purpose of being driven, in the charge of a

pupil under instruction or examination accompanied by a registered Driving Instructor or

Driving Test Examiner, Section 8 of your policy does not apply.

EndorsementNumber

These are the full wordings of all endorsements, please refer to your schedule to seewhich endorsements apply to your policy. Your schedule will show the full details ofvehicles, values or drivers which apply to the relevant endorsement(s).


Endorsements continued on the next page.

Endorsements (continued)

ET1 UK SchemeSection 9 of the policy is deleted and does not apply.

Section 11 of the policy is amended to the following:

European Union compulsory insurance

This insurance provides minimum cover you need to meet the laws relating to compulsory

motor insurance while your vehicle is in:

• Any country which is a member of the European Union;

• Andorra, Iceland, Liechtenstein, Norway, Switzerland or Serbia; and

• Any country which agrees to meet European Union Directives on motor insurance and

which the Commission of the European Union is satisfied has made arrangements to meet

the requirements of these directives.

Full cover as shown in the schedule is only provided when the vehicle is in the United

Kingdom.

HH1 Track DayWhat is covered: Damage caused to the insured vehicle is covered under Section 4 of the

policy for Track Day events subject to a policy excess of £2,000, which will be reduced to

£1,000 if evidence of previous Track Day experience can be proven. All cover is excluded if:

a) the vehicle is being used for racing;

b) any damage following any irresponsible act or acts of negligence including deliberate acts

that are contrary to the compliance with the circuit rules or Association of Racing Drivers’

Schools (A.R.D.S.) instructor’s tutorials/instructions;

c) the vehicle is not being used in accordance with the organiser’s procedures;

d) any paint chipping damage is caused by going into a gravel trap or off road;

e) the insured is under the influence of alcohol or intoxicating drugs;

f) the event is not organised by a member of the Association of Track Day Organisers

(A.T.D.O.), Association of Racing Drivers’ Schools (A.R.D.S.), Vehicle Manufacturer or The

Mini Action Day at Castle Coombe Circuit;

g) the pre-event checks have not been carried out.

HH2 Increased Benefits – In-car Entertainment and Navigation EquipmentUnder Section 6 of your policy the monetary limit is increased to the amount shown in the

schedule (less any excess that applies).

HH3 Increased Personal BelongingsUnder Section 10 of your policy the monetary limit is increased to £2,000 (less any excess that

applies).

HH4 Agreed ValueNotwithstanding anything contained in Sections 4 or 5 to the contrary, the insured value is

agreed as the replacement value of the insured vehicle providing that the last declared value

reflects its true current condition. If the condition at the time of a loss is found to be

significantly different from that declared when the last vehicle valuation was submitted to us,

then this policy will revert to a market value basis.

HH5 Driving Other Car Benefit ExcludedIt is hereby declared and agreed that Section 2 of your policy booklet is cancelled.

EndorsementNumber




HH6 CancellationGeneral Condition O is replaced by:

O) This insurance may also be cancelled in the following circumstances:

We or your insurance adviser may cancel this policy by sending seven days’ notice to your

last know address where there is an exceptional or valid reason for doing so. We will

refund the part of your premium which applies to the period of the insurance you have left.

We will make a deduction for any administration costs we have incurred. If we or your

insurance adviser cancel this insurance because you have not paid the full premium, then

we will work out the refund on a pro rata basis. We will not give a refund if anyone has

claimed in the current insurance period. It is a serious offence under section 143 of the

Road Traffic Act 1988 to use, or allow any person to use a motor vehicle on a road without

a valid motor insurance policy in force. If you wish to cancel this insurance, cancellation will

take effect from the date we receive your notice to cancel, or a date in the future that you

have specified, but cannot be backdated. There will be no refund of premium.

Exceptional or valid reasons may include but not limited to:

– You do not pay the premium or an instalment when you have been notified that an

outstanding amount is required by a specific date.

– you or anyone else covered by this insurance has not met the terms and conditions in this

document of motor insurance including those shown on your schedule.

– You have not provided the requested documentation (e.g. evidence of your current

address, proof of no claims bonus) or provided access to your driving licence details as

held by the appropriate authority.

– a change in your circumstances means that we can no longer provide cover.

– where we identify misrepresentation or fraud or any attempt to gain an advantage under

this insurance to which you are not entitled.

– use of threatening or abusive behaviour or language or intimidation or bullying of our staff

or suppliers.

– where the circumstances of a new claim, or an incident we have become aware of mean

that we no longer wish to provide cover.

– if as a result of a claim under this insurance you have not co-operated with our reasonable

request for any documents and/or information, we may no longer wish to provide cover.

HH7 Laid Up CoverAll Sections of your policy booklet except 5 and 6 are cancelled.

Sections 5 and 6 also exclude loss or damage occurring whilst the Insured Vehicle is:

a) being driven under its own power;

or

b) on a road to which the public have access.

HH8 Restriction of CoverIt is hereby declared and agreed that Sections 9, 10 and 12 of your policy are cancelled.

EndorsementNumber





HM1 Alarm/ImmobilisationIt is a requirement of your policy that, from inception, your vehicle is fitted with an approved

alarm and immobilisation device or an approved immobilisation device (please contact your

intermediary for details of approved devices).

We will not provide cover under Section 5 of your policy in respect of theft or attempted theft

of your vehicle shown above unless:

a) it has been fitted with an approved alarm and immobilisation device or an approved

immobilisation device. If the above were not fitted by the vehicle manufacturer then a copy

of the installation certificate has to be sent intact to us when you submit your claim;

and

b) the device was activated and working efficiently at the time of loss;

and

c) all keys used to activate/deactivate the alarm and immobilisation device or immobilisation

device fitted to your vehicle have to be sent intact to us when you submit your claim.

HM2 Tracking/SatelliteIt is a requirement of your policy that, from inception of your policy, your vehicle is fitted with

an approved Tracking/Satellite device, (please contact your intermediary for details of

approved devices).

We will not provide cover under Section 5 of your policy in respect of theft or attempted theft


a) it has been fitted with an approved tracking/satellite device. If this was not fitted by the

vehicle manufacturer then a copy of the installation certificate has to be sent intact to us

when you submit your claim;

b) the device was activated and working efficiently at the time of loss;

c) all subscriptions are paid up to date;

and

d) the tracking/satellite company is notified by you or the last authorised person in control of

your vehicle, within four hours of the discovery of the loss.

HM3 Overnight Garaging Endorsement – (Registration Number)We will not provide cover under Section 5 of your policy in respect of theft or attempted theft


Between the hours of 10pm to 7am your vehicle is kept in a locked and secured building and

your vehicle is

a) at your private dwelling place;

or

b) at any other address specifically agreed by us;

and

if your vehicle is kept within one half-mile radius of a) or b).

HM4 Excluded Use on Race CircuitsYour policy cover is inoperative and of no effect whilst your vehicle is being used on a race

circuit and/or any land prepared for such usage.

EndorsementNumber




HM5 Mileage Limitation – p.a. (mileage selected)Your policy cover is inoperative and of no effect if your vehicle is driven in excess of the

number of miles shown above.

You must provide us and/or your intermediary with a mileage declaration at inception of your

policy and at each subsequent renewal or when any change of vehicle occurs (for both

vehicles) or at the time of any claim.

HM8 Track Day CoverYour policy is extended to provide cover under Section 4 of your policy whilst your vehicle is

being used on a race circuit and/or any land prepared for such usage.

There is no cover under Sections 1-3, 5-7, 9-13 whilst this extension is operative.

Cover under Section 4 is subject to the following criteria being met:

a) The event must be organised by a member of the Association of Track Day Organisers

(A.T.D.O.) or the Association of Racing Drivers’ Schools (A.R.D.S.) or the Federation of

Auto-Moto Event Organisers (F.A.E.O.).

and

b) The event is non-competitive.

If previous experience of driving on an approved race circuit can be provided we will not be

responsible for the first £1,000 of damage to your vehicle.

or

If previous experience of driving on an approved race circuit cannot be provided we will not be

responsible for the first £2,000 of damage to your vehicle.

LC1 Loss and Damage Sections 4 and 5 – Agreed Market ValueThe definition market value on page 6 is deleted and replaced by the following:

The agreed market value of your vehicle is the current value in accordance with the basis

agreed between you and Firebond PLC and following the issue of the agreed statement of

condition certificate.

LC2 No-claim BonusSection 14 of your policy is deleted and replaced by the following:

Your policy has been issued based on the details of your previous driving record notified to us.

In the event of a claim being made under this policy, this discount will be reduced or removed

at the next renewal.

LC3 Personal Effects and RugsIf your vehicle is either an open top, convertible or soft top, cover under Section 5 is only

effective on such items mentioned above when lost or damaged due to Fire, Theft or

Attempted Theft whilst contained in the locked boot of your vehicle.

M6 Excluding drivers under 25 or with less than 12 months’ experienceWe will only provide cover when your vehicle is being driven by, or is in the charge of, any

person 25 or over and who holds a full UK driving licence which has been issued for at least

12 months.

M7 Warranted ImmobiliserYou must fit an electronic engine immobiliser to your vehicle. The immobiliser must be working

at all times when you leave your vehicle. If the engine immobiliser is not working we may not

deal with your claim.

EndorsementNumber





P03 Excluding drivers under 25We will not provide any cover if your vehicle is being driven by, or is in the charge of, anybody

under 25.

P05 Damage excess – £(amount)We will not pay the amount shown above for the first part of any claim you make under

Sections 4 or 6 of your policy booklet. This amount is in addition to the excesses shown in

Section 8 of your policy booklet.

P13 Fire and Theft only – vehicle laid upYou have told us that your vehicle is laid up and out of use in your garage. Cover is reduced

from the date we receive the current certificate of motor insurance. We are only liable for loss

or damage caused by fire, theft or attempted theft (referred to in Sections 5 and 6 of your

policy booklet). To have fire and theft only cover, your vehicle must be kept in your locked

garage and you must not use it. If cover is reduced to fire and theft only for more than

30 consecutive days we will take 75% of the premium (except as a result of damage or loss

covered by this insurance) for the period of reduced cover from your next renewal premium.

P14 Cover suspended in full – (Registration Number)You have told us that your vehicle is not on a public road and is not being used. Cover is

suspended in full from the date we receive the current certificate of insurance. All cover

provided by this insurance is suspended and your vehicle must be kept in your locked garage

and you must not use it. If cover is suspended for more than 30 consecutive days we will take

80% of the premium (except as a result of damage or loss covered by this insurance) for the

period of suspension from your next renewal premium.

P15 Noting interest of owner – (Name)Your vehicle is owned by the person or organisation named above.

P17 Driver to be accompanied – (Name)We will not provide cover while your vehicle is being driven by, or is in the charge of, the

person(s) named above unless that person is accompanied at all times. The accompanying

person must be 25 or over and must hold a current full UK driving licence which has been

issued for at least three years. These restrictions do not apply if the accompanying person is a

Department of Transport approved driving instructor or examiner.

P18 Vehicle Adapted – (Registration Number)We will only provide cover if your vehicle is suitably adapted to meet the needs of a disabled

person named on the schedule.

P30 Excluding driving other carsSection 2 of your policy booklet is cancelled.

P53 Theft excess – £(amount)We will not pay the amount shown above for the first part of any claim for loss or damage

caused by theft or attempted theft. This excess will not apply to claims under Section 10 of

your policy booklet.

P55 Use in EireYou are covered to use your vehicle in Eire.

EndorsementNumber




P82 Fire and Theft excess – £(amount)We will not pay the amount shown above for the first part of any claim for loss or damage

caused by fire, theft or attempted theft. If Section 10 of your policy booklet applies to your

policy it will not be subject to this excess.

P98 Protected Taxi NCD 1-3 YearsIf you have protected 1, 2 or 3 years no-claim bonus we will not reduce it provided you make

no more than one claim during the year.

P2B Driver to be accompanied – (Name)We will not provide cover while your vehicle is being driven by, or is in the charge of, the

person(s) named above unless that person is accompanied at all times. The accompanying

person must be 21 or over and must hold a current full UK driving licence which has been

issued for at least three years. These restrictions do not apply if the accompanying person is a

Department of Transport approved driving instructor or examiner.

P4A Taxi Scheme Endorsementa) The following sections of the private car policy booklet are cancelled: Section 2 – driving

other cars, Section 9 – personal accident benefits, Section 10 – personal belongings.

b) There is no automatic overseas cover under Section 11. You must notify your insurance

adviser in advance of any intended trip abroad. Any extension of cover abroad will be at

our option and an extra premium may be required.

c) The benefits detailed under the heading ‘Giving you a new car’ in Sections 4 and 5 of your

policy booklet do not apply to this insurance.

P5A Changes to Section 6Section 6 of the private car policy booklet is amended as follows: The loss of or damage cover

provided under Section 6 is restricted to sound receiving or reproduction equipment, two-way

radios, metering equipment and signs up to the maximum value shown in the schedule.

Exception a to Sections 4, 5 and 6 does not apply to damage to, or theft of, two-way radios.

P6C Imported VehiclesThe following apply to your vehicle:

a) the benefits detailed under the heading ‘giving you a new car’ in Sections 4 and 5 of your

policy booklet do not apply to this insurance.

b) the most we will pay under Section 7 towards replacement of windscreen or vehicle glass

is £500 if you ask Glassline to replace the glass. If you do not ask Glassline to replace

the glass the most we will pay will be £150. We will not pay the glass excess, as shown in

your schedule, for any windscreen/glass replacement claim regardless of who you ask to

replace it.

c) provision of a courtesy car is not guaranteed.

PB5 TPPD Indemnity Limit of £5mThe limit of liability in respect of Third Party Property Damage under Section 1 (Liability to

others, What we do not cover), is amended to £5,000,000 in respect of any vehicle notified to

us.

EndorsementNumber





PC3 Corporate Manslaughter and Corporate Homicide Act 2007 – Unlimited CoverThe cover in relation to a prosecution under the Corporate Manslaughter and Corporate

Homicide Act 2007 provided under Section 13 (Legal costs) is extended to provide unlimited

costs in relation to any one claim or series of claims arising from one cause.

PC4 Corporate Manslaughter and Corporate Homicide Act 2007 – £10m CoverThe cover in relation to a prosecution under the Corporate Manslaughter and Corporate

Homicide Act 2007 provided under Section 13 (Legal costs) is extended to provide costs up to

£10m in relation to any one claim or series of claims arising from one cause.

PC6 Corporate Manslaughter and Corporate Homicide Act 2007 – Cover RemovedThe cover in relation to a prosecution under the Corporate Manslaughter and Corporate

Homicide Act 2007 provided under Section 13 (Legal costs) is removed from your policy.

PD3 Excluding drivers under 30We will not provide cover when your vehicle is being driven by, or is in the charge of, any

person under 30.

PD4 Excluding drivers under 30 or with less than 12 months’ experienceWe will only provide cover when your vehicle is being driven by, or is in the charge of, any

person 30 or over and who holds a full UK driving licence which has been issued for at least

12 months.

PE6 Protected No-claim BonusThis insurance includes a protected no-claim bonus under Section 14 of your policy booklet.

PW2 Glass Excess (£70)The excess applicable to claims made under Section 7 of your policy booklet is £70.

PW9 Glass Damage Limit – (Registration Number)Section 7 of your policy booklet is deleted and replaced with the following –

What we coverIf you have comprehensive cover you can claim for damage to the glass in your vehicle’s

windscreen, windows or sunroof.

If Glassline arrange to replace the glass, the most we will pay will be £500 and you will only

have to pay the excess shown on your policy documents.

Unless Glassline arrange to replace the glass, you will only be covered for £150 less the

excess shown on your schedule.

If the damage is repaired, instead of replaced, you will not have to pay the excess.

As long as there is no other damage, we will pay you under this section and it will not affect

your no-claim bonus.

Any other excess we mention in this document will not apply to glass claims.

EndorsementNumber




PX2 Deluxe CoverThe cover provided under the following sections is increased:

Section 6 – we will pay up to £1,000 (cover remains unlimited if the equipment is fitted as

standard).

Section 9 – we will pay £5,000 for death, £4,000 for loss of any limb and £4,000 for

permanent blindness in one or both eyes.

The most we will pay for anyone following an accident is £5,000.

Section 10 – we will pay up to £250 for personal belongings in your vehicle if they are stolen

or damaged.

The passage marked ‘Theft of Keys’ (Section 5) is amended and cover is unlimited for any one

incident.

PX3 Guaranteed No-claim DiscountYour no-claim discount will not be reduced if you make a claim under this policy. However, we

may take account of claims when calculating your premium.

PZ1 Economy CoverThe following sections of the Private Car policy booklet are cancelled: Section 2, Section 9

and Section 10.

The passages marked ‘Giving you a new car’ (Section 4 and 5) and ‘Theft of Keys’ (Section 5)

are also cancelled.

Section 6 is amended and the amount covered is reduced to £300.

Q2 Fire excess – £(amount)We will not pay the amount shown above for the first part of any claim for loss or damage

caused by fire. This excess will not apply to claims under Section 10 of your policy booklet.

EndorsementNumber


All correspondence should be addressed to:Zenith Marque Insurance Services Limited,

Prospect House, Thanet Way,

Whitstable, Kent CT5 3FD

Zenith Marque Insurance Services Limited is an appointed service provider to but is not an agent of Zenith Insurance Plc.

Zenith Marque Insurance Services Limited is registered in England and Wales (No. 2135730) and authorised and

regulated by the Financial Conduct Authority (No. 475572).

Zenith Insurance plc is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation

by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business

in the UK (No. 211787).

QIC Europe Limited is authorised and regulated by the Malta Financial Services Authority (MFSA) to carry on

general insurance business in terms of the Malta Insurance Business Act, 1998 and subject to limited regulation

by the UK Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business

in the UK (No. 659521). ZMEP 0816(10)

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